# Concrete Customer Financing for Contractors > Concrete customer financing: one branded application, 20 participating lenders, and the next lender looks when one says no. Funds paid to your business. No setup fee. Last updated: 2026-09-05. Part of Ottri's Home Improvement financing platform (https://www.ottri.com/home-improvement). Canonical version: https://www.ottri.com/home-improvement/concrete-financing — this Markdown document is generated from the same source at build time. ## Multi-lender concrete financing for contractors. Turn quotes into pours. Ottri is the complete concrete financing platform: one branded application, 20 participating lenders, estimators closing at the property, the office tracking every application, and funds paid straight to you. - One application. Multiple participating lender programs. - A branded experience from application through funding. - Built for concrete contractors, estimators, and reps. - Direct-to-business funding on eligible programs. ## One application. Eligible lenders, considered in sequence. ## Everything a concrete contractor needs to sell with financing. ### Contractor operations Driveways, patios, and slabs are real tickets. Present monthly payments with the estimate, track every application, and see funded volume in one dashboard. - **Run financing from one dashboard** — Manage applications, available offers, follow-up, funding status, and production in one place. - **Track every application** — See what the homeowner needs to complete in financing before your team plans around the expected proceeds. - **Track funded volume** — See funded production over time and compare it with the portfolio average. - **Manage supported promotions** — Configure available promotions and buydowns and understand how they affect homeowner payment options. ### Site estimates and performance Estimators send the application at the property by link or QR code. Managers see which estimators and entry points turn quotes into pours. - **Work from the field** — Share a financing link or QR code while reviewing driveway, walkway, or other eligible concrete work. - **Measure tools and rep adoption** — Compare activity by rep, location, link, QR code, button, or embedded entry point. - **Measure every entry point** — Compare application starts and completions across links, QR codes, buttons, embeds, and messages. - **Keep the experience branded** — Keep your logo, colors, and support contact present throughout the homeowner financing journey. ## Homeowners apply on the spot, under your brand, at the estimate. - **One application, multiple programs** — Homeowners complete one application while considering the concrete scope and installed price your team has explained. - **Direct-to-business funding** — Participating lenders fund your business under the selected program’s funding conditions. - **Links, QR codes, and messages** — Text or email the application after the concrete site estimate. - **Homeowner-friendly experience** — Give homeowners a clear, mobile-first path to apply and review available options. - **Your business stays front and center** — Keep your logo, colors, and customer-facing identity throughout the financing flow. - **Available promotions** — Present seasonal or project-specific promotions where programs allow. ## Know what needs action — and which financing tools are working. ### Pipeline follow-up - **See what needs action** — Surface applications delayed by missing documents or other required next steps. - **Keep follow-up in one place** — Open the relevant application, understand the blocker, and continue from one shared pipeline. - **Keep applications moving** — Give reps clear follow-up signals without asking homeowners to diagnose the financing process. ### Embedded-tool performance - **See what drives starts** — Compare application starts from links, QR codes, buttons, widgets, and other supported entry points. - **Measure each channel** — Compare financing starts from estimator links, site-visit QR codes, and other supported customer entry points. - **Improve distribution** — Use real usage patterns to focus reps and teams on the entry points that earn engagement. ## One lender is a dead end. Twenty is more ways to get the slab poured. All in one place. A disconnected process: - Separate applications for different lenders. - Application status spread across portals. - Customer handoffs with changing branding. - Follow-up split across people and tools. - Unclear next steps for the team. With Ottri: - One application. Participating lender programs. - Applications, offers, and funding status in one place. - Your brand stays present in the financing flow. - A shared financing workspace for your team. - Required next steps visible in the application. ## Frequently asked questions ### How does customer financing work for concrete contractors? Concrete customer financing lets homeowners apply for credit toward eligible residential installation or replacement work through a participating lender. Ottri gives your business a branded application and one workspace for financing progress. Your estimator can introduce the option with the proposed work, and the office can continue follow-up afterward. One branded application reaches 20 participating lenders, so a decline from one lender is not the end of the concrete sale. ### What happens if the first lender says no? Nothing extra for you or your customer. The homeowner fills out one branded application, and Ottri moves it to the next participating lender automatically, across 20 lenders on the Ottri network. Your customer sees one application under your brand the whole way, and you see every step in your dashboard. Each lender makes its own decision. ### Can customers apply for driveways, walkways, patios, or slabs? A participating program may consider the specified residential project when its use, scope, amount, and applicant meet the requirements. Identify the installation and associated costs in the estimate. Ottri trade pages cover residential concrete; commercial pours and new-construction foundations are quoted and financed separately. Because one application is considered by multiple lender programs in sequence, a project that does not fit one program can still fit another. ### What does Ottri cost, and how do we get started? Free to start. No setup fee, no subscription, no demo. Create your account, complete onboarding, and send your first application as soon as your programs are active. Lender and promotional costs, where they apply, depend on the program you choose. ### Can demolition, removal, and site preparation be included? List that work in the estimate and confirm the costs accepted by the selected program. The request should reflect the actual project the homeowner is considering. Preparation or removal added after the original quote may change the amount and require the financing to be reviewed before work proceeds. Itemizing demolition and prep in the estimate is how one application carries the whole job. ### Will the financing stay under our brand, and are applications sold as leads? Yes, it is your brand from start to finish. Your logo, colors, and contact are on every screen the homeowner sees. We never sell applications as leads. The customer stays yours; the participating lender simply provides the credit, and its required disclosures appear where the law requires. ### What happens if the homeowner changes the concrete finish or project size? Update the estimate to reflect the revised measurements, finish, and installation work. Confirm whether the lender needs additional information or a review of the offer. When a plain installation grows into decorative work, the lender takes a fresh look at the larger amount in the same application. Because status lives in one dashboard, a change from plain to decorative is a quick update, not a restart. ### How can our estimator and office coordinate financing before a pour? The estimator shares the branded application with the project estimate. Authorized office staff can then review application progress and required next steps in Ottri, including steps affecting funding. Your business coordinates the pour date after confirming the lender's remaining conditions; an application start or conditional offer alone does not release funds. That shared view is what lets the estimator schedule the crew with confidence. ### Who approves the financing and sends the funds? The participating lender approves the financing and sets the terms. On eligible programs the lender pays your business directly, so you are never chasing the homeowner for payment. Ottri Global LLC is a licensed loan broker, NMLS 2776988, and is not a lender. ### Does applying for financing affect the homeowner’s credit? Applying is built to be easy on the homeowner. Whether a program uses a soft or hard inquiry depends on the lender, the product, and the step, and the homeowner sees that information on screen before continuing, so there are no surprises. --- About Ottri: Ottri is a licensed loan broker, NMLS 2776988. Ottri is not a lender. Participating lenders establish their own products and criteria, make their own credit decisions, provide any credit extended, and retain the responsibilities assigned to them by law and agreement. Ottri's capabilities and role vary by program and deployment.